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FINALLY!!..Some Disco Luv!

c00mtg
Valued Contributor

Re: FINALLY!!..Some Disco Luv!


@clark_d_shark wrote:

@credit_endurance wrote:

@kitt614 wrote:

Congrats on the luv fianlly!

 

Out of curiosity, when you called them, did you mention that you had just used the online option? I plan to double dip once I do go and am just unsure how people phrase it. Do you phrase it as if you're checking with them on the phone as the first inquiry, or let them know the site just gave you one? Or something else entirely?


Thanks Kitt614! I just mentioned to them that I just recently recieved an increase but it was unsatisfactory in fullfilling my needs for future spending and possible BT offers. And I needed more spending flexibility. I think the key is to ask immedietly after you online request not letting much if any time lapse in between.


I never had luck with the double dip unfortunately, but it's just me Smiley Frustrated. They did approve my CLI request for an additional $500 last month, called immediately after the additional 500 was confirmed and told the Account analyst that I wanted to make it an even number, and asked her politely if they could maybe do an additional $200 to make it an even 2K. The analyst said that $500 was all she had for me and if I wanted more, that they will need to do a hard pull in order to consider me for a higher limit. A hard pull for an extra $200, but, whatevs, I am using the card as much as I can, to prove them I am able to handle it.


Looks like you're doing great! You would be surprise knowing how many people can't handle $2k or $1k CL.




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 11 of 14
credit_endurance
Valued Contributor

Re: FINALLY!!..Some Disco Luv!

@AJC as always thanks my friend ! Smiley Wink

 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 12 of 14
credit_endurance
Valued Contributor

Re: FINALLY!!..Some Disco Luv!

@c00mtg I was not expecting anything else from disco especially after receiving absolutely nada from February to this point. It took me completely by surprise. Guess it could be hit or miss depending on the CSR you happen to get.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Jan 2021 (TU 776) (EQ 773) (EXP 760)
$700k+ Tradelines in progress
Gardening Reset: February 2022
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 13 of 14
clark_d_shark
Established Contributor

Re: FINALLY!!..Some Disco Luv!


@c00mtg wrote:

@clark_d_shark wrote:

@credit_endurance wrote:

@kitt614 wrote:

Congrats on the luv fianlly!

 

Out of curiosity, when you called them, did you mention that you had just used the online option? I plan to double dip once I do go and am just unsure how people phrase it. Do you phrase it as if you're checking with them on the phone as the first inquiry, or let them know the site just gave you one? Or something else entirely?


Thanks Kitt614! I just mentioned to them that I just recently recieved an increase but it was unsatisfactory in fullfilling my needs for future spending and possible BT offers. And I needed more spending flexibility. I think the key is to ask immedietly after you online request not letting much if any time lapse in between.


I never had luck with the double dip unfortunately, but it's just me Smiley Frustrated. They did approve my CLI request for an additional $500 last month, called immediately after the additional 500 was confirmed and told the Account analyst that I wanted to make it an even number, and asked her politely if they could maybe do an additional $200 to make it an even 2K. The analyst said that $500 was all she had for me and if I wanted more, that they will need to do a hard pull in order to consider me for a higher limit. A hard pull for an extra $200, but, whatevs, I am using the card as much as I can, to prove them I am able to handle it.


Looks like you're doing great! You would be surprise knowing how many people can't handle $2k or $1k CL.


Thanks, I try my best. I'm trying to grow my current tradelines instead of app'ng for new accounts. Last month was pretty great for me so I am very happy with that. I know Discover will take some time to grow, I know that now, so I don't expect much.

Fico Scores as of March 2020 TU (739) EX (748) EQ (776)



Message 14 of 14
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